Ronald Carr Jr. is a financial advisor with Mass Mutual Investors Services in Fairfield, NJ, holding CFP® and ChFC® designations and over 42 years of industry experience. He has been with Mass Mutual Investors Services since 2017 and has prior experience with Massachusetts Mutual Life Insurance Company and MetLife Securities Inc. Carr serves as a trustee for multiple irrevocable life insurance trusts and is a board member of The Village School, a private Montessori school operating as a 501(c)(3) organization. Mass Mutual Investors Services, a subsidiary of MassMutual, provides financial planning and investment advisory services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers asset management, wrap programs, money-manager programs, and educational seminars, structuring financial planning engagements as annual, collaborative relationships without discretionary investment authority.

Cody Kritzer is the Vice President and Financial Consultant at Fidelity Investments, where he has worked since 2015. In his current role, he collaborates with clients to develop personalized financial strategies that align with their values, priorities, and long-term objectives. He leverages the firm's resources to provide guidance and support across various stages of his clients' financial lives, including wealth building, navigating change, and retirement preparation. Prior to his current position, Cody served as a Financial Consultant and Investment Consultant at Fidelity Investments, gaining extensive experience in investment and financial advisory services. Before joining Fidelity, he worked as a Financial Advisor at Merrill Lynch from 2009 to 2014. His professional background reflects a consistent focus on helping clients make informed financial decisions. Outside of his professional life, Cody engages in family activities, outdoor adventures, and social events. He is also interested in food and values parenthood as part of his personal interests.

Michael Fasano is a financial advisor with Ameriprise in Mahwah, NJ, holding a Series 66 designation and 19 years of industry experience. He has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2014. Outside of his advisory role, Fasano owns an online golf blog, Golficity, LLC. Ameriprise serves individuals approaching or in retirement, offering a retirement-income planning service that combines research, modeling, and tax-efficiency analysis to provide written Recommendation Reports. The firm emphasizes managed accounts and uses algorithmic automation alongside a consulting team to deliver tailored retirement income strategies.

Robert Azzollini is a financial advisor with Mass Mutual Investors Services in Fairfield, NJ, holding a Series 63 credential and over 32 years of industry experience. He has worked with Mass Mutual Investors Services since 2017 and previously with Massachusetts Mutual Life Insurance Company and MetLife Securities Inc. since 1997, he has also been a partner in a group life and health insurance business. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides financial planning, asset management, and educational seminars, utilizing firm-approved tools to develop collaborative, goal-oriented plans.

Chase Fabio is a financial advisor at Mass Mutual Investors Services with one year of industry experience. He holds a Series 66 designation and has a background that includes roles in education and various business engagements. Mass Mutual Investors Services operates as a subsidiary of MassMutual, providing financial planning and asset management services to individuals, business owners, trusts, estates, and charitable organizations, with a focus on collaborative, goal-oriented planning using firm-approved analytical tools.

Joseph Locrotondo is a financial advisor with Mass Mutual Investors Services and holds Series 65 and Series 63 designations. He has 12 years of industry experience, including roles at Prudential Insurance Company of America and Pruco Securities, LLC. Outside of his advisory work, he serves as Director of Basketball at St. Ann Church, where he coaches and oversees basketball teams and related administration. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes collaborative, annual planning engagements using firm-approved tools to analyze client goals.

Linda Bentley is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and 35 years of industry experience. She has worked with Cetera Advisors LLC since 2013 and is also associated with Pascarella Wealth Partners LLC, a financial services firm she has been involved with since 2000. In addition to her advisory role, she is a notary public. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual, retirement plan, corporate, charitable, and institutional clients nationwide. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

Kailey Van Wingerden is a financial advisor at Ameriprise with one year of industry experience. She holds the Series 66 designation and has worked in various roles across education and hospitality prior to joining Ameriprise. Ameriprise offers retirement-income planning services primarily for clients with significant investable assets, combining research and modeling with tax-efficient strategies to provide tailored recommendations delivered through a centralized consulting team.

Gwendolyn Canonico is a CFP® professional with 22 years of experience in financial advising, currently affiliated with LPL Financial. Her prior experience includes 14 years at VALIC Financial Advisors, Inc and two years at Agia. She is also the author of "Special Needs Roadmaps," a non-investment related publication. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of financial planning and advisory programs supported by research and diversified investment strategies.

John Algarin is a financial advisor with Equitable Advisors, holding a Series 66 designation and one year of industry experience. His prior work includes roles at Pinnacle Risk Solutions and Ray Catena Porsche. Equitable Advisors serves a diverse client base, including individuals, high-net-worth clients, retirement plans, and institutions, offering financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs. The firm operates as both an SEC-registered investment adviser and broker-dealer and utilizes a range of sponsored programs and endorsed wrap-fee structures to deliver its services.

Beena Maharjan is a financial advisor with Primerica Advisors in Oakland, NJ, holding Series 63 and Series 65 licenses and 24 years of industry experience. She has been associated with Primerica Advisors since 2000, with a brief period of unemployment from 2015 to 2025. Outside of advising, she is involved in sales of loan products and home security and automation services through affiliated companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and separately managed account options under a wrap-fee structure. The firm curates third-party asset managers and delegates trading responsibilities, providing a range of investment models including Strategic, Tactical, Tax-Aware, and Income Distribution approaches.

Cristian Rojas is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 20 years of industry experience. He has been with J.P. Morgan Securities since 2012 and also worked at JP Morgan Chase Bank, NA. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, using a process that integrates quantitative asset-allocation modeling, centralized due diligence, and an ESG eligibility framework. The firm offers its services on a non-discretionary basis, with client decision-making authority, and is known for its broad product access through affiliations within the J.P. Morgan organization.

David Hartgers is a Series 66 licensed financial advisor with two years of industry experience, currently with Wells Fargo Advisors. He previously worked at Ameriprise Financial Services and has a background that includes coaching as the head coach for the Wyckoff Recreational Department. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients with a broad range of investment and financial planning services, utilizing proprietary research and planning tools to deliver tailored recommendations.

Reed Smith is a financial advisor with Ameriprise in Rutherford, NJ, holding a Series 66 designation and six years of industry experience. His prior roles include positions at Northwestern Mutual, Invesco, and Prudential. Outside of finance, he was involved with Baseball Zone from 2018 to 2019. Ameriprise offers a retirement-income planning service focused on individuals near or in retirement with significant investable assets. The firm uses a combination of research, modeling, and tax-efficiency analysis to deliver personalized, non-discretionary recommendations through a centralized consulting team.

Bryan Dunst is a Wealth Management Advisor and Senior Vice President with Merrill Lynch Wealth Management in Wayne, New Jersey. He provides financial advisory services to a diverse clientele including families, private and public business non-profit organizations across the United States. He assists clients in portfolio management, corporate retirement, small business strategies, personal retirement planning, tax minimization, and socially responsible investing. Bryan is known for a consultative approach focused on helping clients make informed decisions to grow and preserve wealth. Bryan holds numerous professional certifications including CERTIFIED FINANCIAL PLANNER® (CFP), Chartered Retirement Plans Specialist™ (CRPS), Certified Portfolio Manager (CPM), Certified 401(k) Professional (CKP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He has extensive experience speaking and training on financial topics such as portfolio preservation, asset allocation, effective portfolio management, and estate planning. Bryan earned a Bachelor's degree in Business Administration from Ramapo College and a Master's degree in Finance from Fairleigh Dickinson University. Outside of his professional career, Bryan is a Mensan and a Mason, and is involved with NY/NJ Blood Services. He resides in Kinnelon, New Jersey with his wife Natalie and their four sons. His personal interests include hiking, music, spending time with family, and watching movies.

James Lee is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He has been with Equitable Advisors since 1999, previously associated with AXA Advisors, LLC. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and a broad range of third-party asset managers. The firm employs a hybrid referral and implementation model, combining advisory and brokerage channels to tailor services based on client goals, risk tolerance, and time horizon.

Brendan Dineen is a financial advisor at Fidelity with one year of industry experience. He holds the Series 66 designation and has worked at Fidelity Investments since 2024, with prior roles at Strategies for Wealth, Vans, and Cosimos. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including an IRS-qualified Charitable Gift Fund and registered investment companies. The firm employs a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage model portfolios and offers services such as discretionary portfolio management and fund advisory.

Gregory Tripold is a CFP® professional with seven years of industry experience, currently affiliated with LPL Financial since 2021. Prior to joining LPL, he worked at Bank of America, Merrill, Paylocity, and ADP. He is also involved with Tripold Enterprises LLC, a non-investment-related business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm provides a range of advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management and offering access to various model portfolios and research resources.

James Valentino is a financial advisor at Morgan Stanley with 24 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Smith Barney since 2009, currently serving in the Morgan Stanley Private Bank. Morgan Stanley Wealth Management provides advisory programs to individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm utilizes structured planning tools and modeling techniques to support financial planning but generally acts in an advisory capacity without serving as an ERISA fiduciary unless separately engaged.

Pamela Sutton is a financial advisor at LPL Enterprise with 13 years of industry experience. She holds Series 63 and Series 65 licenses and has worked previously with Prudential Insurance Company of America and Pruco Securities, LLC. She is also associated with JIA, LLC, a tax and bookkeeping business entity. LPL Enterprise serves a broad range of clients, including individuals, retirement plans, charitable organizations, corporations, and institutional clients, offering advisory and brokerage services through an integrated platform that includes financial planning, model portfolios, and third-party asset management.